Philadelphia, PA – October 14, 2025 – Xactus, a fintech and market leader in verification solutions for the mortgage industry, today announced the launch of its Xactus Mortgage Intent Index, the industry’s first measure of borrower mortgage intent. Built from millions of credit pull transactions processed across Xactus’ verification network, the index provides lenders, capital markets participants, and economists with a forward-looking view of mortgage demand, weeks before traditional indicators can detect it.
“Xactus Mortgage Intent Index represents a significant step toward real-time decisioning across the mortgage ecosystem,” said Shelley Leonard, President. “By introducing a data signal that surfaces borrower intent before the loan application exists, Xactus is helping lenders move from reactive forecasting to proactive strategy.”
When mortgage rates declined in mid-September, the index rose 9.82% compared to the same week in August, signaling increased borrower activity before loan application volume reflected the change. These insights demonstrate XMII’s ability to reveal borrower intent earlier than other benchmarks within the market.
“Benchmarking is key to understanding true organization performance. Our industry will swing 50–80% season to season, and that’s too wide of a margin. The consequences of not properly forecasting can set your organization back years with service and/or quality issues,” said Craig Ungaro, Chief Operating Officer, AnnieMac Home Mortgage. “Industry application data has been available for a while; however, that’s not a leading indicator. With Xactus Mortgage Intent Index we finally have what we need, a true leading forecasting benchmarking tool.”
In a market defined by rapid rate shifts and evolving consumer behavior, Xactus Mortgage Intent Index helps lenders anticipate demand rather than react to it. By tracking verified mortgage credit inquiries that occur at the earliest stage of the mortgage process, the index reveals borrower intent before a formal loan application is even submitted. This new signal allows lenders to adjust marketing, staffing, and pricing strategies proactively, gaining a competitive advantage in an increasingly dynamic environment.
Traditional indices focus on closed loans, rate locks, or application volumes, all lagging indicators that reflect activity already in motion. Xactus Mortgage Intent Index, by contrast, was created by Xactus to measure intent in real time through anonymized, aggregated credit pull data, providing daily and weekly visibility into pre-application, application, and pre-close activity.
About Xactus Mortgage Intent Index
The Xactus Mortgage Intent Index is a first-of-its-kind measure of borrower mortgage intent. Derived from millions of verified credit inquiries processed daily, the index tracks early borrower behavior across pre-application, application, and pre-close stages. Updated daily and presented as a non-seasonally adjusted weekly index, the index empowers lenders, capital markets participants, and analysts with a real-time view of borrower demand and market direction.
About Xactus
Xactus – a leading fintech specializing in verification solutions for the mortgage and financial services industries – leverages advanced technology and industry expertise to provide innovative solutions that streamline loan origination and servicing processes. Its Intelligent Verification PlatformSM, Xactus360, enables clients to make better mortgage decisions faster while increasing efficiency and reducing waste.
To learn more , visit xactus.com/xmii or contact [email protected].
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